3控制消费欲望，尽量买实用的物品
只有实用的物品，我们才能更好地利用它们，而不是闲置在角落里，还可以避免冲动消费。比如突然心血来潮想买瑜伽服之类的，先不买放在一边几天，几天过后还想买的话就买。
4.制定预算
把每个月的收入和支出，都合理规划好，确保把钱都花在需要的地方，做到每一分钱都不浪费。该花的要花，不该花的要简。
制定好大概预算，可以避免因禁不住诱惑冲动消费而沦为月光族。
5.工资先存后花
把工资分成三份，每个月定期存下30%-50％在银行里，把这笔钱判个无期徒刑，不可以动用。
先存钱再消费，剩下的一部分作为生活上的日常开销，一部分用来应急，比如身体不舒服、电动车坏了需要维修等。
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